Tod Shoffler is a CFP® professional affiliated with LPL Financial, with 29 years of industry experience. He has worked at LPL Financial and Crest Savings Bank since 2007 and previously held roles at OSAIC Institutions, Inc., and Citigroup Global Markets. Shoffler holds a real estate sales license and is involved in property management for personal investment purposes. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive resources and technology.

Steven Kraus is a financial advisor with Wells Fargo Advisors and holds Series 63 and Series 65 licenses. He has 33 years of industry experience, including roles at Wells Fargo Clearing and Wells Fargo Advisors LLC since 2009. Kraus has ownership interests in two related investment entities and serves as power of attorney for a family member. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutions. The firm provides tailored recommendations using proprietary research and tools, serving clients through a broad range of planning services including specialized areas such as business-owner transition and special-needs planning.

Felix Quintanilla is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes roles at Bank of America, Merrill, and entrepreneurial ventures such as Steve N Cookies and Quintanilla Cargo Express. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies developed by internal and third-party managers.

Laura Norman is a financial advisor with Morgan Stanley in Stone Harbor, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and currently works at Morgan Stanley Private Bank, N.A. Outside of her advisory role, she is involved as a member and officer in several investment-related entities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies.

Ashley Moore is a financial advisor at Raymond James Financial with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Raymond James since 2018, following prior roles at Cetera Investment Advisors and Sturdy Savings Bank. Outside of her advisory duties, she is involved with Sturdy Financial Services, the marketing arm of Sturdy Savings Bank’s investment department. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, institutional, and charitable clients. The firm offers tailored, non-discretionary advisory services supported by analytical tools and serves a broad client base through a large advisor network.

Keith Cadden is a CFP® professional with 19 years of experience, currently serving at Morgan Stanley in West Conshohocken, PA. He has been with Morgan Stanley and its Private Bank division since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including customized financial planning supported by advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client engagements and Corporate Financial Planning agreements.

Kevin Farrell is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His prior roles include positions at Ameriprise Financial Services and PNC Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Beth Bebb is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and bringing 19 years of industry experience. She has been with Thrivent and its predecessor firms since 2007. Outside of her advisory role, Bebb is a motivational speaker and trainer in youth ministry and religious education and also operates a web-based Avon representative business. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based analyses and planning without discretionary trading authority, focusing on written recommendations across various financial topics and allowing clients to combine planning with managed-account services under a consolidated billing option.

Robert Sek is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm uses an IPS-driven approach grounded in modern portfolio theory and includes insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Cifelli is a financial advisor at Wells Fargo Advisors with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo entities since 2012. He also owns and manages Cifelli Asset Management LLC, a financial practice based in St. Petersburg, FL. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and uses Wells Fargo research and planning tools to develop tailored recommendations, with implementation options available through various brokerage and advisory programs.

Geoffrey Thompson is a Series 66-licensed financial advisor with eight years of industry experience, currently with Cambridge Investment Research Advisors since 2020. He has a longstanding career as a partner and CPA at Pappler, Thompson & Associates since 1996 and also serves as president of Thompson Pappler Inc., providing accounting and tax services. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent financial professionals using a variety of portfolio management strategies across multiple platforms.

Thomas Becker is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 28 years of industry experience. He previously worked at PNC Investment for 14 years and Quick & Reilly, Inc. for one year. Becker also engages in a related investment activity through Tradewinds Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, wrap and model portfolio programs, third-party asset management access, and institutional platforms, supporting a broad range of advisory strategies implemented by its network of over 22,800 investment adviser representatives.

Thomas Quinn is a CFP®-credentialed financial advisor with 39 years of industry experience. He has been with RBC Capital Markets since 2009 and also works with City National Bank since 2019. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles using a combination of in-house and third-party investment managers.

Matthew Glenn is a financial advisor at Wells Fargo Clearing with 44 years of industry experience. He holds a Series 63 designation and has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. He is based in Cape May, NJ. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products than typical for large institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Glen Stewart is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and four years of industry experience. He previously worked in education with the Upper Township School District for 24 years. Outside of his financial advisory role, he contributes creative content as an image provider for Shutterstock. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, delivering goal-based financial planning without discretionary trading authority. The firm emphasizes comprehensive written recommendations covering various planning areas and provides clients with options to coordinate planning and managed-account services through its WealthPlan program.

Christopher Shoemaker is a financial advisor with Raymond James Financial, holding a Series 66 designation and 24 years of industry experience. His career includes roles at Sturdy Savings Bank, Cetera, Morgan Stanley Investment Advisors, and UBS Financial Services. Raymond James Financial Services Advisors, Inc. offers 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 provides tailored, non-discretionary planning and consulting using analytical tools and supports clients through a broad advisor network and institutional consulting services.

James Barron is a Benefits & Planning Consultant specializing in Executive Services. In this role, he collaborates with clients to develop customized financial plans that address their individual short- and long-term goals. He emphasizes building strong relationships with clients and their families to maintain trust and reliability. James has professional experience as an Investment Solutions Representative at Fidelity Investments from 2021 to 2024, a Broker at Charles Schwab from 2020 to 2021, and an Associate Advisor at New Horizons Wealth Management from 2017 to 2019. He holds insurance licenses in Arkansas and California.

Edwin Andrews is a CFP® professional with 38 years of experience in the financial industry. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Matthew Galasso is a financial advisor with Mass Mutual Investors Services, holding a Series 65 designation and bringing 30 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and is also associated with Massachusetts Mutual Life Insurance Company and Metlife Securities Inc. since 2016 and 2009, respectively. In addition to his advisory roles, he operates as an independent insurance agent focusing on disability, fixed annuities, life, accident, health, long-term care, and property and casualty insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved tools to deliver goal-based recommendations without investment discretion.

Allison Kruse is a Series 66-registered financial advisor at Edward Jones with four years of industry experience. She worked at Sharon Bank for 20 years prior to joining Edward Jones in 2021. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies and operates under a fiduciary standard.